EMI vs SIP for ₹1,600,000
10 Years @ 12%
Original Plan
10 Years @ 12%
EMI: ₹ 22,955
Extended Plan
15 Years (Reduced EMI)
EMI: ₹ 19,203
Monthly Savings
₹ 3,753
SIP Investment
@ 12% for 15 years
₹ 1,893,504
Extra Interest Paid
₹ 701,842
Final Outcome
₹ 1,191,662
Profit from SIP strategy
Analysis
For ₹1,600,000 loan at 12%, investing savings can generate ₹1,893,504.
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